Category Archives: Finance Guide

Car theft has risen dramatically in the U.S. during the pandemic — in 2020, it was up almost 10% from the prior year — reversing a two-year decline, according to an analysis of federal crime data by the National Insurance Crime Bureau, an industry organization that focuses on insurance fraud. On top of that, catalytic […]

Aspeeding ticket in North Carolina could have lasting financial and life consequences. Besides the fine itself, a North Carolina speeding ticket increased the cost of car insurance by 55% on average, according to Bankrate’s 2021 study of quoted annual premiums. Courts in North Carolina report citations and convictions to the DMV. Your insurance company will find out that you were cited after you drive […]

Michigan is not cheap for car insurance. Michigan is the second-most expensive state to insure autos. This is due to dense traffic, high rates of road crashes, theft, and insurance fraud. Average car insurance costs in the United States are $565 for minimum coverage, and $1674 for complete coverage. Michigan licensees pay an average of $2,309 per year for full […]

However, it does not cover all situations. You can find out when it is covered and when you are on your own. Medicare does not cover chiropractic services. What chiropractic care is covered by Medicare? Medicare Part B (Medical Insurance) covers manual manipulation of the spine by a chiropractor or another qualified provider if it’s medically necessary […]

Signing up for dental insurance depends on where it comes from: workgroup plans or individual policies (also called individual plans). Open enrollment periods usually occur around November/December for group and Medicare Advantage plans. However, you can purchase dental insurance outside of open enrollment if a qualifying life event arises. Group Plans Open enrollment is an […]

If you don’t already have employer-sponsored health coverage, Obamacare (Obamacare) marketplace provides excellent options for individual and family plans as well as short-term plan options and Medicare coverage. Avoid limited-benefit health plans with low premiums but high out-of-pocket costs; these don’t represent real insurance. Instead, opt for more comprehensive health plans:. 1. Check With Your […]

State workers’ comp insurance funds provide businesses with workers’ compensation coverage when private insurers don’t. This option may be an appealing one for companies that cannot find coverage through these channels. Some states operate state funds with exclusive privileges while others provide state funds that compete with private insurers for business and offer more attractive […]

Car insurance rates vary significantly based on factors like your age, driving history and credit score; other considerations could also play a part depending on where you reside. Teen drivers typically pay more for insurance because of their inexperience on the road and increased likelihood of accidents, yet NerdWallet provides an estimate tool that allows […]

As soon as a plumbing disaster strikes, it’s essential that you contact your insurance provider immediately so they can send out an adjuster and assess the damages. However, insurance companies tend to avoid covering bathtub leaks as they believe homeowners should maintain their properties appropriately. Damage to the Bathtub Homeowners insurance offers financial protection against […]

The Knights of Columbus offers an extensive selection of life, retirement and long-term care policies through its network of insurance agents. This company holds an A+ rating with the Better Business Bureau, offering competitive life insurance policies at very reasonable rates to men who belong to Catholic fraternal organizations. Unfortunately, their policies are only available […]